                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{est4}&\multicolumn{1}{c}{est5}\\
\midrule
Saving          &   -0.006\sym{**} &   -2.126         &   -0.029\sym{***}&    2.805         &   -0.009         \\
                &  (0.003)         &  (3.387)         &  (0.011)         & (10.811)         &  (0.013)         \\
\addlinespace
Saving          &                  &                  &                  &                  &                  \\
\addlinespace
$\text{     }$ $\times$ September&    0.000         &    0.262         &    0.000         &    8.377         &   -0.010         \\
                &  (0.003)         &  (5.516)         &  (0.013)         & (10.980)         &  (0.012)         \\
\addlinespace
$\text{     }$ $\times$ October&    0.000         &   -0.115         &    0.002         &   -6.986         &   -0.011         \\
                &  (0.003)         &  (4.222)         &  (0.015)         & (13.777)         &  (0.015)         \\
\addlinespace
$\text{     }$ $\times$ November&    0.008\sym{**} &   -3.402         &    0.005         &    3.815         &   -0.003         \\
                &  (0.004)         &  (5.606)         &  (0.017)         & (16.500)         &  (0.018)         \\
\addlinespace
\vspace{0.1em}  &                  &                  &                  &                  &                  \\
\addlinespace
Mobile Banking  &    0.011\sym{***}&    6.776\sym{*}  &    0.015         &   13.239         &   -0.026\sym{**} \\
                &  (0.003)         &  (3.800)         &  (0.015)         & (10.992)         &  (0.012)         \\
\addlinespace
Mobile Banking  &                  &                  &                  &                  &                  \\
\addlinespace
$\text{     }$ $\times$ September&    0.038\sym{***}&   19.641\sym{***}&    0.047\sym{***}&    9.159         &   -0.006         \\
                &  (0.004)         &  (6.121)         &  (0.015)         & (10.787)         &  (0.012)         \\
\addlinespace
$\text{     }$ $\times$ October&    0.079\sym{***}&   34.819\sym{***}&    0.090\sym{***}&    8.483         &    0.011         \\
                &  (0.005)         &  (5.840)         &  (0.016)         & (14.442)         &  (0.016)         \\
\addlinespace
$\text{     }$ $\times$ November&    0.093\sym{***}&   36.514\sym{***}&    0.119\sym{***}&    2.874         &    0.005         \\
                &  (0.005)         &  (7.529)         &  (0.018)         & (16.914)         &  (0.018)         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Saving = Mobile Banking&    0.000         &    0.013         &    0.000         &    0.349         &    0.165         \\
Saving          &                  &                  &                  &                  &                  \\
\hspace{1em}September = October&    0.898         &    0.947         &    0.922         &    0.210         &    0.956         \\
\hspace{1em}September = November&    0.025         &    0.574         &    0.778         &    0.776         &    0.649         \\
\hspace{1em}October = November&    0.007         &    0.519         &    0.777         &    0.416         &    0.553         \\
Mobile Banking  &                  &                  &                  &                  &                  \\
\hspace{1em}September = October&    0.000         &    0.028         &    0.004         &    0.957         &    0.197         \\
\hspace{1em}September = November&    0.000         &    0.043         &    0.000         &    0.694         &    0.506         \\
\hspace{1em}October = November&    0.000         &    0.811         &    0.053         &    0.687         &    0.655         \\
Control Mean    &    0.024         &   11.345         &    0.075         &  285.447         &    0.295         \\
